Maryland Paycheck Calculator
Estimate your take-home pay in Maryland after federal, state, and FICA taxes.
Estimated take-home pay
$55,708 /year
Monthly
$4,642
Bi-weekly
$2,143
Weekly
$1,071
Breakdown
- Gross annual income
- $75,000
- Federal income tax
- − $8,114
- Maryland state income tax
- − $3,230
- Montgomery County income tax
- − $2,211
- Social Security (6.2%)
- − $4,650
- Medicare (1.45%)
- − $1,088
- Net take-home pay
- $55,708
Effective tax rate
25.72%
Marginal federal rate
22%
Show federal bracket math
| Bracket | Taxable | Tax owed |
|---|---|---|
| 10% ($0 – $11,925) | $11,925 | $1,193 |
| 12% ($11,925 – $48,475) | $36,550 | $4,386 |
| 22% ($48,475 – $103,350) | $11,525 | $2,536 |
How the Maryland paycheck calculator works
This calculator estimates your take-home pay by applying four layers of US payroll taxes to your gross annual salary: federal income tax, Maryland state income tax, Social Security (6.2%), and Medicare (1.45%). High earners pay an additional 0.9% Medicare surtax above the IRS threshold.
Federal income tax
Federal tax uses progressive brackets ranging from 10% to 37%. Each dollar is taxed only at the rate of the bracket it falls into — this is called your marginal rate, not your effective rate. The calculator applies the 2025 IRS brackets (Rev. Proc. 2024-40) and the $15,000 standard deduction for single filers.
Maryland state income tax
Maryland uses progressive state tax brackets sourced from Comptroller of Maryland, Withholding Tax Facts 2025 (marylandcomptroller.gov). The state standard deduction is automatically applied based on your filing status. Maryland's state rates run 2% to 6.5% — the 6.25% and 6.5% top brackets were added for high earners in 2025. Every Maryland resident also pays a county (or Baltimore City) income tax of 2.25%–3.30%; pick yours above. The standard deduction is modeled at its maximum plus the $3,200 personal exemption.
Maryland county income tax
Unlike most states, every Maryland resident also pays a local income tax set by their county (or Baltimore City), ranging from 2.25% to 3.30% of taxable income for 2025 — a big reason Maryland take-home pay varies by where you live. Maryland residents pay a local income tax set by their county (or Baltimore City), from 2.25% to 3.30% of taxable income. Anne Arundel and Frederick use tiered rates. Choose your county in the calculator above to fold it into your take-home estimate, applied to the same taxable income as your Maryland state tax. Source: Comptroller of Maryland, Withholding Tax Facts 2025 (2025 local rates).
FICA (Social Security + Medicare)
FICA taxes are flat: 6.2% Social Security on wages up to the 2025 cap of $176,100, plus 1.45% Medicare on all wages. Single filers earning over $200,000 pay an additional 0.9% Medicare surtax on income above that threshold.